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A fintech app in India is an architecture problem before it is a product problem. Seven RBI requirements, from the 24-hour data repatriation rule to the 1 April 2026 authentication deadline, and what each one costs you
Manu Shukla 
India's online retail reached roughly $80 billion in FY26 and UPI carried 241.6 billion transactions in FY2025-26. What an ecommerce app build actually involves now, from payment rails to the DPDP and app store
Manu Shukla 
NPCI's 30% market-share cap for any single UPI app is scheduled for 31 December 2026, and the top two apps were still at a combined 79% in May 2026. Here is what that means for merchant checkout, and the multi-PSP
Manu Shukla 
The digital rupee stopped chasing UPI on volume and became programmable money. Here is how fintech teams integrate e-rupee wallets, conditional welfare tokens, offline NFC and cross-border CBDC rails in 2026.
Manu Shukla 
NPCI's OC-215 guidelines cap balance checks at 50 per day, account lists at 25, and status checks at 3 per transaction. Here is how to re-architect a UPI app around the limits: caching, webhooks over polling, AutoPay
Manu Shukla 
India's NPCI is designing a Unified Agent Protocol so AI agents can be registered and authorised to make UPI payments, pending RBI approval. For fintech teams, prep starts now: identity, limits and logs.
Manu Shukla 
Credit Line on UPI (CLOU) turns any UPI QR into a credit checkout, at roughly a fifth of the acquisition cost of a credit card. Here is what it changes for Indian D2C brands, merchants, and fintech builders in 2026.
Manu Shukla 
India's fintech market is worth about $51 billion in 2026, and payments lead it. eCorpIT builds UPI-ready, RBI-compliant fintech apps in Flutter or native, handling aggregator integration, data localization, PCI DSS
Manu Shukla 
UPI processed 28.92 lakh crore rupees in June 2026 as the PhonePe-Google Pay duopoly slipped below 80% for the first time. What diversification, NPCI's 30% cap, and the MDR debate mean for D2C checkout in 2026.
Manu Shukla 
UPI processed 23.2 billion transactions worth Rs29.9 trillion in May 2026, the top two apps fell below 80% share, and the 30% cap lands in December 2026. Here is what these shifts, plus Credit Line on UPI, mean
Manu Shukla 